Industry GuidesNovember 8, 20265 min read
Auto Repair Shop Card Processing: Fees and What to Check
Repair bills are often large, final amounts differ from estimates, and customers sometimes dispute them. Here is what that means for card processing.
By ONKORE Team
Why repair shops are different
A repair bill can be several hundred or thousand dollars, and the final total is often different from the estimate. That makes the way you authorize and settle payments important.
What to check
- Large tickets. Ask about per-transaction limits and whether any holds apply. See our high-ticket payments guide.
- Estimate versus final bill. Ask how your system handles a final amount that is higher than the amount first authorized.
- Disputes. Keep signed work orders and photos. They help if a customer disputes a charge. See reducing chargebacks.
- Pay-by-phone and pay-by-link. These are usually keyed or online sales and often cost more than a card tapped or inserted. See the volume tier table for how markups differ by channel.
- Equipment. A mobile reader lets you take payment at the vehicle. Check lease terms before you commit.
Check your statement
Look at your effective rate, your keyed share and any fixed fees. Our guide to calculating your effective rate shows how.
Next step
Send a statement for a free statement review. Pricing is subject to approval.
